Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$152,438Cash toward the purchase price.
Closing costs + prepaids$11,643Not just lender fees.
Before credits & paid funds$164,081The complete starting cash picture.
Estimated remaining funds due at closing
$164,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,438.16
Your down payment$152,438.16
Closing costs + prepaids$11,642.98
Total buyer cash needed$164,081.14
Remaining funds due$164,081.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,656.75
Initial HOA (3 months)$24.99
Prepaid interest, first (25 days)$446.24
Fees + prepaids$11,642.98
Your down payment is the seller’s equity. You take over the $176,562 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $164,081.14 is due at closing. Uses and sources reconcile at $340,642.98 each. Not a Closing Disclosure.